If someone has car insurance for "all vehicles" and drives my car, who is responsible for any damage?

Question

This would be in the state of Ohio.

Answer 1

you

Answer 2

The rule for most insurance companies is that the driver's insurance stays with the driver, even when driving another vehicle.

The way to settle it is to let the insurance companies fight it out. Neither one will want to pay, but if you have coverage then someone will have to pay. Collect all the information on the accident and include any police reports, if one was made, then call the insurance companies and give them the information. They will know how to handle it.

Since your insurance company loses money if they have to handle the claim they will do there best to make sure that they, and you, don't have to pay. The basic collision insurance protects the other driver, if you have compressive insurance, and if the car is not paid off yet then you will, then the car is covered no matter what happens to it.

If another person has insurance that states it covers "all vehicles" then that person should be covered by their own insurance in ANY vehicle that they drive.

Answer 3

INSURANCE FOLLOWS THE CAR! When you own a vehicle,YOU must have insurance on it.And when placing insurance on it, you must list anyone whom drives it on a regular basis.If someone borrows it,say for just a day or trip to the store,but they don't normally drive it, it is covered under permissive use.So the owner of the vehicle is ultimately responsible.This is true for most insurance companies.However, you must ask your agent to be sure.Some underwriters have different rules.But if you get stopped for a violation,and the officer asks for proof of insurance, it better read that it is for THAT CAR.Or you and the owner get a ticket not to mention drivers license suspension,fines and reinstatement fees.There used to be what is called bonds so to speak that covered a person driving any car.But with the financial responsibility law now, it's different.I guess they still have those but are basically worthless.

Answer 4

As far as I know the owner would be responsible.I tried to get a car in my name and everything was ok till they asked for proof of insurance.I said I dont drive because Im blind in my right eye.She said others could drive the car for me but I must have it insured under my name because if someones driving it and crashes then they automaticaly go after the owner of the car insurance company.This was in Cleveland Ohio this past summer.After that I found out they are not allowed to ask for proof of insurance.They just suppose to give a paper for you to sign stating you have insurance.

Answer 5

it depends on the state that you live in. In some states the person driving that has insurance. No insurance you. In Michigan we have no fault and I think the owner would be responsible

Answer 6

Insurance goes with the vehicle. If someone is driving and has an accident, and had your permission to drive, your insurance is the one that covers it.

Answer 7

its called a fleet policy their insurance should cover you car if they are driving it